Dhirendra Bisht
Founder & Lead Engineer, FinCalcHub
About
Dhirendra Bisht is the founder and lead engineer of FinCalcHub. He designs and maintains the single, tested financial-formula library that powers every calculator on the site, and reviews each tool’s methodology against primary sources such as the RBI, SEBI, EPFO and the Income Tax Department. His focus is making financial maths transparent and accurate — with clear worked examples rather than black-box results.
Articles by Dhirendra Bisht
How to apply for a home loan: a step-by-step guide
From checking eligibility to disbursal — the documents, steps and pitfalls of applying for a home loan in India, and how to get the best rate.
27 Jul 2026How to improve your CIBIL score (and why it matters)
A practical playbook to raise your credit score — what drives it, the habits that lift it, and the mistakes that quietly drag it down.
26 Jul 2026What is a mutual fund? A beginner’s guide
Mutual funds explained in plain English — how pooling works, the main types, how you make money, and what the costs are.
25 Jul 2026How to file your income tax return (ITR) in India
A plain-English walkthrough of filing your ITR — who must file, which form to use, the documents you need, and the steps to do it online.
25 Jul 2026SIP vs FD vs RD: where should your monthly savings go?
Three popular ways to save every month — mutual fund SIPs, fixed deposits and recurring deposits. How they differ on returns, risk, tax and liquidity.
24 Jul 2026How to manage your first salary without regret
Starting your first job? Here is a simple system to split your salary, avoid lifestyle creep, and build good money habits from month one.
24 Jul 2026How to start investing with a small salary
You don’t need a big income to build wealth. Here is how to start investing with modest amounts, and let time and consistency do the heavy lifting.
23 Jul 2026What is an index fund, and why do experts recommend it?
Index funds quietly match the market at rock-bottom cost. How they work, why they beat most active funds, and who they suit.
22 Jul 2026CAGR vs XIRR: Which Return Number Should You Trust?
CAGR and XIRR both measure returns, but they answer different questions. Learn when each applies and why it matters for SIPs.
22 Jul 2026How to save for a big goal (car, wedding, down payment)
A repeatable method to fund any large goal — set the target, work backwards to a monthly amount, and pick the right place to park the money.
22 Jul 2026The real cost of waiting: why starting early beats investing more
A 25-year-old investing half as much can end up with more than a 35-year-old who starts late. The maths of why time in the market wins.
21 Jul 2026How to negotiate a salary raise (without the awkwardness)
Preparation beats nerve. Here is how to build the case, pick the moment, and ask for a raise in a way that actually works.
21 Jul 2026How to choose the right health insurance policy
Sum insured, room rent limits, waiting periods and claim ratios — a plain-English guide to picking a health policy that actually pays out.
20 Jul 2026Gold vs equity: which really builds wealth over time?
Gold feels safe and equity feels risky — but which has actually grown wealth faster, and what role should each play in your portfolio?
19 Jul 2026How to get out of a debt trap
Juggling several loans and card balances? Here is a clear, staged plan to stop the bleeding, prioritise repayments, and claw your way back.
19 Jul 2026How to save tax under Section 80C (and beyond)
A practical guide to using the ₹1.5 lakh 80C limit well — the options, how they differ on returns and lock-in, and other deductions worth claiming.
18 Jul 2026How to plan and save for your child’s education
Education costs are rising faster than general inflation. Here is how to estimate the future bill and build the corpus in time.
17 Jul 2026How to escape the credit-card debt trap
Credit cards can charge 36-48% a year. Here is why the minimum payment keeps you stuck, and a clear plan to get out fast.
16 Jul 2026How to survive a job loss financially
Losing your income is stressful, but a calm, staged plan protects you. Here is how to stretch your runway and avoid lasting damage.
16 Jul 2026How to buy your first car without overspending
A car is a depreciating asset, not an investment. Here is how to set a sane budget, decide loan vs cash, and avoid the common money traps.
15 Jul 2026What is NPS? The National Pension System explained
A low-cost, government-backed retirement scheme with an extra tax break. How NPS works, its lock-in, and who it suits.
12 Jul 2026The 50/30/20 Budget Rule, Explained Simply
A simple, flexible framework for splitting your income between needs, wants and savings — and how to adapt it to Indian realities.
9 Jul 2026How fixed deposit interest is taxed (and TDS explained)
FD returns are safe, but the taxman takes a share every year. How FD interest is taxed, when TDS applies, and how to plan for it.
8 Jul 2026A simple retirement planning guide
How much do you really need to retire? A step-by-step framework using inflation, corpus targets and withdrawal planning.
5 Jul 2026Emergency Fund: How Much Do You Really Need?
An emergency fund is the foundation of a stable financial life. Learn how much to save, where to keep it, and when to use it.
25 Jun 2026FD vs SIP: which is right for your goals?
Fixed deposits offer certainty; SIPs offer growth. Here is a clear framework for choosing between them — or using both.
20 Jun 2026PPF vs ELSS vs NPS: Best Tax-Saving Investment?
Three popular tax-savers, three very different profiles. Compare PPF, ELSS and NPS on returns, risk, lock-in and liquidity.
11 Jun 2026How EMI works — and how to pay less interest
Understand what makes up your loan EMI, why early payments are mostly interest, and practical ways to cut your total cost.
1 Jun 2026What is CAGR? The only growth number that matters
Compound Annual Growth Rate explained — why it beats absolute returns for comparing investments, with a simple worked example.
14 May 2026How Loan Prepayment Can Save You Lakhs in Interest
Prepaying your loan attacks the principal directly and can cut years of interest. Here is how to do it strategically.
7 May 2026What is a SIP and how does it work?
A plain-English guide to Systematic Investment Plans — how they work, why they beat timing the market, and who they suit.
2 May 2026Old vs New Tax Regime: Which Should You Pick?
The old regime rewards deductions; the new one offers lower slab rates. A clear framework for choosing the regime that saves you more.
16 Apr 2026How Much Term Insurance Cover Do You Actually Need?
Under-insuring leaves your family exposed; over-insuring wastes premium. Here is how to size your term cover correctly.
2 Apr 2026SIP vs Lumpsum: Which Wins for Mutual Fund Investing?
Should you invest a windfall all at once or spread it out? A balanced look at SIP versus lumpsum investing in Indian mutual funds.
19 Mar 2026Best Retirement Planning Strategies for India
A practical, India-specific playbook for building a retirement corpus — from starting early to choosing the right mix of instruments.
4 Mar 2026How Inflation Quietly Erodes Your Savings
Money sitting idle loses value every year. Learn how inflation works, why it matters for your goals, and how to protect your savings.
18 Feb 2026How Compound Interest Works (and Why Starting Early Wins)
Compound interest is the quiet engine behind every large corpus. Understand how it works and why time is your most powerful ally.
3 Feb 2026Rent vs Buy: Should You Buy a Home in India?
Buying a home is as much a financial decision as an emotional one. Here is a clear framework for the rent-versus-buy question in India.
22 Jan 2026What is APR and How Does It Affect Your Loan?
APR reveals the true yearly cost of a loan once fees and charges are folded in. Learn how it differs from the headline interest rate.
8 Jan 2026Explore every calculator
From investments to loans and taxes — find the right tool in seconds.
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